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Amistad Bank

Del Rio, TX · Cert 26658 · Patrons Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Amistad Bank

Del Rio, TX · Cert 26658 · Patrons Holdings Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (5 in holding)

Q2 2026

$57.0MAssets
$37.3MLoans
$45.7MDeposits
$10.7MEquity
Loan mix
92%RE $30.0M6%C&I $2.1M2%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $32.5M29%Noninterest $13.2MQ2 2025Q2 2026

NIM

2.46%Q2 ’246.15%Q2 ’255.88%Q2 ’26+131%-11%

Non-interest income vs. expense

1.85%Q2 ’244.61%Q2 ’254.97%Q2 ’26+245%+22%

Executive Summary

  • Earnings: ROA of 0.61%, down 102 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.29%, up 65 bps from a year ago.
  • Funding: loans stand at 81.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-102 bps YoY

Net Interest Margin (YTD, annualized)

4.61%-58 bps YoY

Efficiency Ratio (YTD, annualized)

78.83%+1,550 bps YoY

Tier 1 Leverage Ratio

15.29%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.58%1.49%0.59%0.61%-102 bps
Return on Equity8.63%8.34%7.81%3.10%3.22%-540 bps
Net Interest Margin5.19%5.29%5.16%4.68%4.61%-58 bps
Efficiency Ratio63.32%64.86%64.45%79.60%78.83%+1,550 bps
Non-Interest Burden2.91%3.03%2.90%3.67%3.55%+64 bps
Growth
Asset Growth (YoY)8.55%16.05%15.20%7.81%11.12%+257 bps
Loan Growth (YoY)30.26%30.81%17.37%4.99%5.50%-2,476 bps
Deposit Growth (YoY)8.56%15.36%12.87%7.81%11.58%+302 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.22%1.21%1.25%1.34%1.20%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.63%15.04%15.56%15.42%15.29%+65 bps
Total Risk-Based Capital14.63%15.04%15.56%15.42%15.29%+65 bps
Equity / Assets19.04%19.02%19.25%18.82%18.70%-35 bps
Liquidity & Funding
Loans / Deposits86.39%87.52%82.50%72.34%81.69%-470 bps
Liquid Assets / Assets2.80%2.02%8.74%14.82%12.21%+942 bps
CRE / Total Capitaln/a377%343%315%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Amistad Bank

Del Rio, TX · Cert 26658 · Peer group: banks under $1B in assets in TX (n=208-211) · Patrons Holdings Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (5 in holding)

Q2 2026

$57.0MAssets
$37.3MLoans
$45.7MDeposits
$10.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: return on equity trails 91% of banks under $1B in assets in TX (rank 191 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.60%

Rank 176 of 211

Net Interest Margin

4.61%

Rank 29 of 211

Efficiency Ratio

85.42%

Rank 190 of 211

Equity / Assets

18.70%

Rank 11 of 211

Non-interest income vs. expense

$0.8M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 10% of banks under $1B in assets in TX
Bank 85.42%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.87%1.20%1.65%Beats 17%176 / 211
Return on Equity3.21%7.52%11.67%14.58%Beats 9%191 / 211
Net Interest Margin4.61%3.28%3.82%4.31%Beats 86%29 / 211
Efficiency Ratio85.42%53.01%64.18%73.65%Beats 10%190 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio15.29%11.72%14.45%19.57%Beats 56%92 / 211
Total Risk-Based Capital Ratio15.29%11.94%14.78%20.30%Beats 52%101 / 211
Equity / Assets18.70%9.41%11.06%12.94%Beats 95%11 / 211
Liquidity & Funding
Loans / Deposits81.69%45.39%66.56%82.03%74th pctl55 / 208
Loans / Assets65.52%39.13%56.90%70.46%66th pctl72 / 211
Brokered Deposits / Depositsn/aNot reported for this institution